Bank Comparison
Sandy Spring Bank vs Connectone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Sandy Spring Bank | Connectone Bank |
|---|---|---|
| CET1 Ratio | 13.96% | 12.35% |
| Tier 1 Capital Ratio | 13.96% | 12.35% |
| Total Capital Ratio | 14.94% | 13.33% |
| Tier 1 Leverage Ratio | 11.63% | 10.81% |
| Equity / Assets | 13.38% | 12.23% |
Profitability
| Metric | Sandy Spring Bank | Connectone Bank |
|---|---|---|
| Return on Assets (ROA) | 0.06% | 1.20% |
| Return on Equity (ROE) | 0.46% | 9.75% |
| Net Interest Margin (NIM) | 2.70% | 3.47% |
| Yield on Earning Assets | 4.86% | 5.64% |
| Cost of Funds | 2.42% | 2.32% |
Asset quality
| Metric | Sandy Spring Bank | Connectone Bank |
|---|---|---|
| Texas Ratio | 11.16% | 6.56% |
| Non-Performing Loan Ratio | 1.32% | 0.83% |
| Non-Performing Asset Ratio | 1.12% | 0.69% |
| Net Charge-Off Ratio | 1.19% | 0.23% |
| ACL / Loans | 1.00% | 1.30% |
Balance sheet
| Metric | Sandy Spring Bank | Connectone Bank |
|---|---|---|
| Total Assets | $13,765M | $14,200M |
| Total Deposits | $11,322M | $11,566M |
| Total Loans | $11,461M | $11,745M |
| Total Equity | $1,842M | $1,736M |
| Net Income (quarter) | $2,089K | $42,023K |
Liquidity & funding
| Metric | Sandy Spring Bank | Connectone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.23% | 101.55% |
| Core Deposit Ratio | 93.93% | 91.33% |
| Uninsured Deposit Ratio | 37.61% | 45.78% |
Identity
| Metric | Sandy Spring Bank | Connectone Bank |
|---|---|---|
| Headquarters City | Olney | ENGLEWOOD CLIFFS |
| Headquarters State | MD | NJ |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 55 | 62 |
| Employees (FTE) | 1,103 | 739 |
| Established | — | Jan. 15, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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